Methodology

The course adopts interactive training techniques, including:

Theoretical presentations

Real case study analysis

Hands-on exercises using risk analysis tools

Group discussions and experience exchange

Course Objectives

By the end of the course, participants will be able to:

Understand the fundamentals of individual credit risk assessment

Analyze financial and non-financial indicators used in evaluation

Identify sources of credit information and how to collect them

Evaluate creditworthiness and repayment capacity

Mitigate risks and enhance sound lending practices

Analyze both financial and personal data of individual clients

Use models and tools to assess individual credit risks

Recommend well-grounded credit decisions

Align credit evaluation with regulatory and institutional policies

Implement follow-up and ongoing review mechanisms for credit risk

Target Audience:

Bank staff involved in granting personal loans and credit

Risk management professionals

Credit analysts and accountants

Branch managers in banks and financial institutions

Anyone interested in enhancing their skills in individual credit evaluation

Target Competencies

Analytical thinking and data interpretation

Credit decision-making ability

Knowledge of banking credit regulations

Proficiency in using risk assessment tools

Client communication and explanation of credit decisions